Easy Credit Loan App Review: Is it legit? Download App, Interest Rate

  • November 19, 2023

With over a million downloads on Google Play Store, EasyCredit is one of the most popular loan apps in Nigeria.

A lot of people tend to use the app because of the flexible loan service that it offers, which includes a no-collateral instant loan.

Yes, you don’t even need a guarantor, or a legal document to get a loan which will be credited into your account in minutes.

However, if you’re new to the online loan or it’s your first time wanting to download the EasyCredit loan app, it is necessary you read some in-depth and honest reviews about it, so as to be sure not to take unworthy risks.

That is why I have curated this post about the Easy Credit loan app review to show you if it is legit and worth it.

More so, I’ll also show you the Easy Credit interest rate, how to download the app, and how to apply for a loan fast.

Without further ado, let’s get started!

Overview of EasyCredit Loan App

First things first, what is Easy Credit all about?

EasyCredit is a loan platform that launches its app online for free downloads. The app gives you access you an easy stress-free loan with a low-interest rate.

The cool thing about this loan app is that, even without collateral or a guarantor, you can apply for and get your loan credited into your bank account in minutes.

EasyCredit doesn’t have strict rules on loans. They offer a relatively fair interest rate and also have a lot of flexible repayment methods.

Related: Page Financials Loan App Review

Is Easy Credit Legit?

With over a million downloads on the Google Play Store, 4.0 stars review rating, and tons of positive words about the EasyCredit loan app online, I would say it is real and legit.

More so, the company is fully certified by the Central Bank of Nigeria (CBN), which means it can be trusted.

Check Out: Fairmoney Loan App Review

Easy Credit Loan Requirements

Although you can get an instant loan on the app without paperwork, or a guarantor. But you must also know that EasyCredit does require some basic information while applying for a loan.

These include:

  1. You must be a Nigerian and also a resident of Nigeria.
  2. You must have the EasyCredit loan app on your phone.
  3. You must be between 20 to 60 years of age before you can be able to get a loan from the app.
  4. Submit valid basic information during your registration.
  5. You must have a valid
  • Email Address
  • Bank Account
  • BVN
  • Bank Card
  1. You will have to State your monthly income, this will help EasyCredit review your credit score and know the amount of loan you will be able to qualify for at that moment and later.

If you don’t possess any of the requirements listed above, I’m sorry, but you’ll need to look for other loan apps with more flexible requirements.

That means you can’t get a loan on EasyCredit if you don’t pass those requirements.

Read Also: NewCredit Loan App Review

How to Apply for a Loan on Easy Credit

The most essential thing a lot of people seek about EasyCredit is how to apply for a loan on the app.

First of all, you’ll need to download the EasyCredit loan app (Keep Scrolling Down to See How and The Download LINK), then, install the app on your phone.

Now, follow the procedure below to apply for a loan on the EasyCredit loan app.

  • Register a new account on the app.
  • Then, click on “Apply Now”
  • Now, fill in your personal details.
  • Enter/click on the amount you want to get.
  • Then, wait for your application to be reviewed.
  • If your application is accepted, you’ll get credited with the amount you applied for.
  • You can try again if your application was rejected.

Easy Credit Interest Rate for Loan

Another essential thing you need to know before applying for an Easy Credit loan in Nigeria is the interest rate.

Since there are tons of loan apps online, especially in Nigeria, their interest rate is competitive, so let’s see what EasyCredit interest rate looks like.

— Easy Credit Interest ranges from 0.1% to 1%. The one-time processing fee ranges from 1,256 NGN – to 6,000 NGN, and the maximum APR is 40%.

For example:

— If you choose a 91days loan plan, and borrow ₦3,000. You’ll be charged an interest rate of 3.1% and a processing fee of 9.1%. That means they would charge you N93 as interest and N273 as a processing fee. Therefore, the total amount of repayment is N3,366.

Check Out: Renmoney Loan App Reviews

Easy Credit Loan App Download

Now that you’ve gone through all the vital information that is essential about the EasyCredit loan, you’ll need to know how to download the app before you can apply for EasyCredit loan in Nigeria.

Below is a link that will lead you straight to the EasyCredit loan app download page on Google Play Store.

NameEasyCredit: Secure Online Loan

Download EasyCredit Loan App Here

How to Download Easy Credit Loan App

Apart from downloading it on Google Play Store, you can also download EasyCredit loan app APK online from your browser and install it on your phone.

Below is a link that will lead you directly to the EasyCredit loan APK page on your browser.

NameEasyCredit: Secure Online Loan

Download EasyCredit Loan App Here

EasyCredit Repayment

Another thing to talk about in this Easy Credit loan review is the repayment.

Is it easy to repay EasyCredit loan? How do I repay Easy Credit loan? What are Easy Credit loan repayment methods?

Let’s answer these questions now.

How to Repay Easy Credit Loan

You can easily repay easy credit loans by simply loging into your EasyCredit account, and then clicking on the “Repay” button.

Then you’ll be taken to the repayment page where you can now enter the amount you want to repay and select your preferred repayment method.

Easy Credit Repayment Methods

The following are the repayment options you’ll be prompted to choose from while looking to repay your loan.

  • Bank Card (ATM Card)
  • Bank Transfer
  • USSD

Is it Easy to Repay EasyCredit Loan?

Since you have multiple easy-to-use repayment options, I would say it is super easy to repay your loan on EasyCredit.

Easy Credit Loan App Review

EasyCredit is just one of the few loan apps on the Google Play Store that has generated over a million (1,000,000) downloads.

EasyCredit loan App download

It has a positive rating review of 4.0 at the time of writing this article.

Easy Credit loan app

More so, a lot of people have been giving feedbacks about the app. Some of the words people say about this app include:

EasyCredit Customer Care Number

09087614188 is the Easy Credit customer care number. You can also contact EasyCredit by emailing them on help.easycredit@gmail.com

Their customer care service is quite good and they’ll respond perfectly to your queries without stress.

EasyCredit WhatsApp Number

+2349121807745 is EasyCredit WhatsApp number. You can chat them up on any questions you may have, and they’ll render assistance ASAP.

Easy Credit Loan App – FAQs

What do I need to get a loan on EasyCredit?

You have to be over 20 years old, and provide your bank account and bank card, and basic information. This will let EasyCredit assess whether you meet their criteria based on the information.

How long does it take to get loan on EasyCredit?

When you complete the application and accept the loan, the entire process will be completed within 24 hours, your information will be reviewed.

Do I need collateral or documents to get loan on EasyCredit?

EasyCredit does not require collateral or documents. Their process is completely paperless. All you need is an Android device data link, identity verification means, a valid bank account, and a bank card.

Why was my loan application rejected on Easy Credit?

If you fail to pass the application, don’t worry! Check to see if you still have an order in the loan, or if the information you provided is incomplete. When you complete a loan, you can apply again.

What is the maximum amount of loan a person can apply for on EasyCredit?

It varies from person to person, so make sure you fill in the correct information and apply on your own mobile device, and you may get a large amount of money.

Why do I need to give EasyCredit access to my device?

EasyCredit will access your mobile device with (but not limited to) contacts, locations, SMS, calendars and cameras to estimate the loan that suits you. This is a very important part of the assessment process.

What will happen if I repay my EasyCredit loan late?

Overdue loan repayment will automatically generate daily penalty interest. Therefore, it is recommended not to exceed the repayment period. In addition, this may reduce your future lending credit score.

What will happen if I don’t repay Easy Credit loan?

Your current loan will attract a daily penalty interest, and you’ll get frequent calls from EasyCredit.

Keep that EasyCredit may proceed to take some unexpected steps if they notice you don’t want to repay.

Can I trust Easy Credit with my information?

Yes, information such as BVN, Bank Account Number, and Phone number can be trusted with EasyCredit as they won’t use it for anything that will harm you.

In fact, they said on their platform that “We guarantee that we will never disclose your personal information to a third party without your consent. (no overdue refund and service request)”.


EasyCredit is without a doubt one of the best lending platforms and apps in Nigeria as they give you an instant loan without any paperwork.

I believe the Easy Credit review that I have curated for you here in this post should be able to guide you on how to go about getting a loan from EasyCredit.